And what about water damage?

The bathtub overflows, the roof leaks or the river spills its banks… It's sometimes difficult to figure
out under what circumstances your home insurance will compensate you if you're a victim of water damage.

Water damage can happen in different ways in your home. Your insurance will cover you under certain specific circumstances:

Damage caused by the discharge or overflow of public water mains carrying drinking water

Damage caused by the discharge or overflow of plumbing systems or appliances such as bathtubs or dishwashers

When it comes to sewer backup or water seepage through the roof, you'll be covered if you added additional coverage,
known as an endorsement, to your insurance policy.

N.B. Flooding due to overflow from a body of water is never covered under home insurance.

Just like flooding due to overflow from a body of water, damage caused by landslides and other earth
movements is not covered. The same goes for losses due to pollution, nuclear risks or war.